I am in my early thirtees and thinking about getting a life insurance. Any recommendation about good broker or company? Also, if anyone has direct experience about chosing which is good that would be helpfull. I am seeing a lot of 30 year term insurance, and exam required/ not required either one is around $27 per month. I am leaning more towards 30year term plan as it is the most widely available longest plan. Anyone have 35/40 year term plan? This is boring topic and would be helpful to hear direct experiences or suggestions.